If the market tanks you will like your G fund. One fellow at work has 100% G and laughed all the way through the 2000-2003 market downturn, but that seems like too little risk for me.

I laughed too, but I had actually put my finance degree to work and socked it all into the F fund, which did nearly twice as well as G. Great fund for a down market (all equity funds were down quite a bit those years, inluding I fund). Now I have been allocating more and more to I fund (up to 40% now, with 45% in S and 15% in C). I've been very pleased, considering the limited choice of investments TSP offers. Of course, I am a bit younger and less averse to risk, which is always something to consider.

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